Globally diversified stock portfolio with strong equity focus and efficient balance between risk and return

Report created on Apr 9, 2026

Risk profile

  • Secure
    Speculative

The risk profile, derived from past market volatility, reflects the level of risk the portfolio is exposed to. This assessment helps align your investments with your financial goals and comfort with market fluctuations.

Diversification profile

  • Focused
    Diversified

The diversification assessment evaluates the spread of investments across asset classes, regions, and sectors. This ensures a balanced mix, reducing risk and maximizing returns by not concentrating in any single area.

Positions

The portfolio is very simple: three equity ETFs and nothing else, with 80% in a developed-world fund, 10% in emerging markets, and 10% in global small caps. That means it’s a pure stock portfolio with no bonds or cash buffers built into the mix. A structure like this is easy to understand and maintain, which is a big plus. But it also means the ride can be bumpy because everything here moves with equity markets. For someone wanting smoother swings, adding other asset classes outside this setup could be a way to dial down volatility without overcomplicating things.

Growth Info

From 2019 to early 2026, €1,000 grew to about €2,182, giving a compound annual growth rate (CAGR) of 11.53%. CAGR is like your “average speed” over the whole journey, smoothing out the ups and downs. That’s very close to the global market’s 11.50% and slightly below the US market’s 13.93%. The worst drop, or max drawdown, was about -34%, very similar to both benchmarks. This shows the portfolio has behaved much like a broadly diversified global equity mix. The alignment with the world market is a positive sign that the structure is doing what it’s supposed to do.

Projection Info

The Monte Carlo projection uses past return and volatility patterns to simulate 1,000 different 15‑year futures for €1,000 invested. Think of it as “replaying” market history in many random sequences to see a range of outcomes, not just a single forecast. The median result, around €2,784, implies decent long‑term growth, with an 83.9% chance of ending positive. But these are still just models based on history, not guarantees. Real markets can behave differently, especially around big shocks. The main takeaway: over 15 years, a stock‑heavy portfolio like this has good odds of growth but the path can be quite uneven.

Asset classes Info

  • Stocks
    100%

All of the portfolio is in stocks, with 0% in bonds, cash, or alternatives. Equities are the main engine of long‑term growth, but they also produce the sharpest swings when markets get stressed. A 100% equity mix is common for investors with long horizons who can handle big temporary losses. It also means there’s no built‑in stabilizer that might cushion downturns. For a “balanced” risk label, this sits at the higher‑risk end, but the diversified global spread within equities helps a lot. Someone using this setup should mentally prepare for deep drawdowns and avoid reacting to short‑term noise.

Sectors Info

  • Technology
    25%
  • Financials
    16%
  • Industrials
    12%
  • Consumer Discretionary
    10%
  • Health Care
    9%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Basic Materials
    4%
  • Energy
    4%
  • Utilities
    3%
  • Real Estate
    3%

Sector exposure is nicely spread, with technology at 25%, financials at 16%, industrials at 12%, and others reasonably balanced. Tech is somewhat elevated, similar to many global indices today, which makes the portfolio sensitive to interest‑rate moves and sentiment around growth stocks. Financials and industrials add some cyclical flavor, while health care and consumer staples provide a more defensive tilt. Overall, this allocation lines up well with broad global benchmarks, which is a strong indicator of sound diversification. It means you’re not making big active bets on any single part of the economy, but still benefit from growth in key modern industries.

Regions Info

  • North America
    65%
  • Europe Developed
    15%
  • Japan
    6%
  • Asia Developed
    5%
  • Asia Emerging
    4%
  • Australasia
    2%
  • Africa/Middle East
    1%
  • Latin America
    1%

Geographically, about 65% of the exposure is in North America, 15% in developed Europe, and the rest spread across Japan, other developed Asia, emerging Asia, Australasia, and smaller regions. This is very close to the current global market cap picture, where the US and Canada dominate. The emerging markets slice is relatively modest, so most of the risk and return will be driven by developed markets. This alignment with global market weights is positive: it keeps home bias low and avoids concentrating everything in one economy. The flip side is that you’re heavily tied to the fate of North American markets and currencies.

Market capitalization Info

  • Mega-cap
    43%
  • Large-cap
    31%
  • Mid-cap
    18%
  • Small-cap
    6%
  • Micro-cap
    1%

Market cap exposure leans strongly toward mega‑ and large‑cap companies, which together make up about 74% of the portfolio. Mid‑caps take 18%, while small and micro caps are around 7%. Bigger companies tend to be more stable and liquid, while smaller ones can be more volatile but offer different growth drivers. The explicit 10% in small caps brings in some extra diversification and a mild size tilt without overwhelming the overall risk. This blend is close to a global “market‑like” structure, with a slight nudge toward smaller companies, which can help returns over very long horizons but may add some extra bumpiness.

True holdings Info

  • NVIDIA Corporation
    4.04%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Apple Inc
    3.68%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Microsoft Corporation
    2.60%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Amazon.com Inc
    1.89%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Alphabet Inc Class A
    1.70%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Alphabet Inc Class C
    1.42%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Broadcom Inc
    1.34%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Meta Platforms Inc.
    1.32%
    Part of fund(s):
    • SPDR® MSCI World UCITS ETF EUR
  • Taiwan Semiconductor Manufacturing Co. Ltd.
    1.16%
    Part of fund(s):
    • iShares Core MSCI Emerging Markets IMI UCITS
  • Tesla Inc
    1.07%
    Part of fund(s):
    • LS 1x Tesla Tracker ETP Securities GBP
    • SPDR® MSCI World UCITS ETF EUR
  • Top 10 total 20.23%

Looking through the ETFs’ top holdings, a lot of familiar mega-cap names show up: Nvidia, Apple, Microsoft, Amazon, Alphabet, Meta, and Tesla together already take a meaningful slice of the equity exposure. These companies appear via multiple ETFs, which creates hidden concentration even though you only see three funds. Because we only see the top 10 holdings for each ETF, the true overlap is probably higher. This kind of concentration in huge growth names has helped in recent years, but it also ties the portfolio to the fortunes of a small group of very dominant companies.

Risk contribution Info

  • SPDR® MSCI World UCITS ETF EUR
    Weight: 80.00%
    82.4%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR
    Weight: 10.00%
    9.5%
  • iShares Core MSCI Emerging Markets IMI UCITS
    Weight: 10.00%
    8.1%

Risk contribution shows how much each holding adds to overall portfolio ups and downs, which can differ from its weight. The SPDR MSCI World at 80% weight contributes about 82% of total risk, meaning it roughly drives the portfolio’s behavior. The small‑cap and emerging markets funds each contribute slightly less risk than their weights, which is interesting given their reputation for volatility; here, diversification across many stocks helps. With just three ETFs making up virtually 100% of the risk, there’s no hidden leverage or surprise driver. Rebalancing between these three would mainly tweak how “spicy” the ride feels, rather than changing the core character.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The efficient frontier chart shows that the current mix sits on or very close to the optimal curve, with a Sharpe ratio of 0.57. The Sharpe ratio measures return per unit of risk, comparing portfolio returns to a risk‑free rate. An alternative weighting of the same three ETFs could push the Sharpe to about 0.67 with slightly higher risk, or downshift to a minimum‑variance mix with a Sharpe of 0.59 and lower risk. Since you’re already near the frontier, the allocation is efficient for this set of holdings. Tweaks would mainly fine‑tune risk and return, not fix any big structural problem.

Ongoing product costs Info

  • iShares Core MSCI Emerging Markets IMI UCITS 0.18%
  • iShares MSCI World Small Cap UCITS ETF USD (Acc) EUR 0.35%
  • SPDR® MSCI World UCITS ETF EUR 0.12%
  • Weighted costs total (per year) 0.15%

Total ongoing fund costs, with a combined TER around 0.15%, are impressively low. TER, or Total Expense Ratio, is the annual percentage fee charged by each fund. Low costs matter because they’re one of the few things investors can control, and they quietly compound over time. Here, you’re very close to the cost level of the cheapest global index solutions available. That supports better long‑term performance, since more of the portfolio’s return stays in your pocket. From a cost perspective, this setup is really strong and doesn’t leave much room for meaningful improvement without getting into very marginal differences.

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